ZIP 47012 Foreclosure, Tax-Lien & Distress Report

ZIP code 47012 in Franklin County, Indiana carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Structurally it carries 52/100, against 4/100 of stress already in motion. What sets it apart are the readings on institutional ownership (58/100), structural risk (52/100), construction/permit lag (44/100). By contrast, mortgage stress (13/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (83/100).

The peak-phase market in 47012 posted values that rose 3.5% over the year, and 29% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 75% owner-occupied to 25% rented. Home values center near $257,800, an affordability ratio of 2.8× — accessible. Vacancy runs 8.6%. The demographic-stress sub-score lands at 26/100. About 10,891 people live here, median age 41. There are about 4,876 housing units across 47012. At $86,369, median income runs near typical U.S. levels. About 21% have a four-year degree. 6.4% of residents fall below the poverty threshold. Around 27% of renters are cost-burdened.

Broadly, 47012 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 47012 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 47012 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Franklin County, Indiana and the nation. Where the public record is thin for 47012, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 figure for 47012 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 47012 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.